# 分期乐 vs 融360

The clearest difference is review sentiment: 融360 at 88% against 分期乐's 39%. 融360 also leads on rating (4.4 vs 2.6). 分期乐's advantage is ratings volume (234 vs 41). On price, update cadence, ads and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

融360 holds the better App Store score, 4.4 against 2.6. That said, the two scores are not equally well evidenced: 分期乐 has 234 ratings behind it against 41, so its average is the more settled of the two. Written reviews point the same way: 39% of 分期乐's written reviews are positive against 88% of 融360's.

分期乐 ships an update monthly, 融360 every 6 weeks. The most recent releases landed on September 23, 2026 and September 25, 2026 respectively.

## The numbers

| Metric | 分期乐 | 融360 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.6 (234 ratings)](https://appshunter.io/ios/app/id906611031/reviews) | **[4.4 (41 ratings)](https://appshunter.io/ios/app/360/id1026689855/reviews)** |
| Number of ratings | **234** | 41 |
| Positive reviews | 39.0% of reviews | **87.9% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | Yes |
| Update frequency | **Monthly** | Every 6 weeks |
| Monetization | — | Ad-supported |
| Size | 245 MB | 104 MB |
| Requires iOS | 13.0 | 13.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 17+ | 17+ |
| Developer | [深圳市分期乐网络科技有限公司](https://appshunter.io/developer/897778999) | [融360](https://appshunter.io/developer/562807898) |

## What reviewers say

### 分期乐

[App page](https://appshunter.io/ios/app/id906611031)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast disbursement
- 👍 Helps in emergencies
- 👍 Can be a last resort for funds

**What reviewers complain about**

- 💸 High interest rates (usury)
- 💸 Hidden fees and charges
- 💸 Unclear billing and statements
- 💸 Forced installment plans
- 💸 Inability to repay early without penalty

**Reported bugs**

- App crashes (iOS)
- Unable to repay within the app/WeChat
- Blank repayment pages
- Forced updates
- Redirects to third-party loan apps

**Requested features**

- Clearer billing and interest calculation
- Option for early repayment without penalties
- Improved customer service responsiveness
- More transparent loan terms
- User-friendly interface


### 融360

[App page](https://appshunter.io/ios/app/360/id1026689855)

This platform helps users find and compare financial products like loans and credit cards. It offers personalized recommendations based on user needs and provides financial education resources. Loans are sourced from regulated institutions with flexible repayment options.

**Highlights:** Loan amount up to 200,000 CNY, Low annual interest rates (7.2%-24%), Flexible repayment options (6, 12, 24 months), Loans from regulated financial institutions, Financial education and industry reports, AI-powered product matching

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is 分期乐 free?

分期乐 is free to download, with no in-app purchases.

### Is 融360 free?

融360 is free to download, with no in-app purchases.

### Which has better reviews, 分期乐 or 融360?

融360 is rated higher. 分期乐 averages 2.6 out of 5 from 234 ratings, while 融360 averages 4.4 from 41 ratings.

### Do 分期乐 or 融360 have ads?

Both 分期乐 and 融360 show ads.

### Which is updated more often, 分期乐 or 融360?

分期乐 ships an update monthly, and 融360 every 6 weeks. Most recently, 分期乐 was updated on September 23, 2026 and 融360 on September 25, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*